DISCLOSURES
5 Year Surrender Charge Period GLWB Bonus Percentage
Contract Year 1 2 3 4 5 6 7 8 9 10111213141516 Issue Ages Under 65 0% 5% 15% 25% 35% 45% 50% 55% 60% 65% 70% 75% 80% 85% 90% 95% Issue Ages 65-69 0% 20% 30% 40% 50% 60% 60% 60% 60% 60% 60% 60% 60% 60% 60% 60% Issue Ages 70-79 0% 23% 33% 43% 53% 63% 63% 63% 63% 63% 63% 63% 63% 63% 63% 63% Issue Ages 80-85 0% 20% 30% 40% 50% 60% 60% 60% 60% 60% 60% 60% 60% 60% 60% 60%
*Based on the Younger Joint Life
7 Year Surrender Charge Period GLWB Bonus Percentage
Contract Year 1 2 3 4 5 6 7 8 9 10111213141516 Issue Ages Under 65 0% 7% 17% 27% 37% 47% 52% 57% 62% 67% 72% 77% 82% 87% 92% 97% Issue Ages 65-69 0% 22% 32% 42% 52% 62% 62% 62% 62% 62% 62% 62% 62% 62% 62% 62% Issue Ages 70-79 0% 25% 35% 45% 55% 65% 65% 65% 65% 65% 65% 65% 65% 65% 65% 65% Issue Ages 80-85 0% 22% 32% 42% 52% 62% 62% 62% 62% 62% 62% 62% 62% 62% 62% 62%
*Based on the Younger Joint Life
10 Year Surrender Charge Period GLWB Bonus Percentage
Contract Year 1 2 3 4 5 6 7 8 9 101112131415 16 Issue Ages Under 65 0% 10% 20% 30% 40% 50% 55% 60% 65% 70% 75% 80% 85% 90% 95% 100% Issue Ages 65-69 0% 25% 35% 45% 55% 65% 65% 65% 65% 65% 65% 65% 65% 65% 65% 65% Issue Ages 70-79 0% 28% 38% 48% 58% 68% 68% 68% 68% 68% 68% 68% 68% 68% 68% 68% Issue Ages 80-85 0% 25% 35% 45% 55% 65% 65% 65% 65% 65% 65% 65% 65% 65% 65% 65%
*Based on the Younger Joint Life
Guaranteed Lifetime Withdrawal Benefit Payout Factors
Attained Age Single Joint Attained Age Single Joint Attained Age Single Joint Attained Age Single Joint 65 4.70% 4.20% 72 5.40% 4.90% 79 6.10% 5.60% 85 6.70% 6.20% 66 4.80% 4.30% 73 5.50% 5.00% 80 6.20% 5.70% 86 6.80% 6.30% 67 4.90% 4.40% 74 5.60% 5.10% 81 6.30% 5.80% 87 6.90% 6.40% 68 5.00% 4.50% 75 5.70% 5.20% 82 6.40% 5.90% 88 7.00% 6.50% 69 5.10% 4.60% 76 5.80% 5.30% 83 6.50% 6.00% 89 7.10% 6.60% 70 5.20% 4.70% 77 5.90% 5.40% 84 6.60% 6.10% 90+ 7.20% 6.70% 71 5.30% 4.80% 78 6.00% 5.50%
*Based on the Younger Joint Life
Excess Withdrawals - Any distribution in addition to the Guaranteed Lifetime Withdrawal Benefit after Guaranteed Lifetime Withdrawal Benefits begin will reduce future Guaranteed Lifetime Withdrawal Benefit amounts by the same percentage by which the Excess Withdrawal reduced the Accumulation Value.
Growth Benefit Accumulation Buy-Up Rider – Provides higher caps and participation rates.
Rider Fees - If you elect the Guaranteed Lifetime Withdrawal Benefit Rider, there is an annual fee on each contract anniversary of 0.95% multiplied by the Accumulation Value and reduced proportionately from each account. If you elect the Accumulation Buy-Up Rider, there is an annual fee on each contract anniversary of 1.25% multiplied by the value in each index account and subtracted from the corresponding index account.
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